More than half of Americans (53%) agree that “thinking about my personal finances can make me feel anxious.” And drilling down gives an additional peek at financial stress: As many as 44% of Americans agreed that “discussing my finances can make my heart race or make me feel stressed.”

The numbers, while large, even hide sizeable differences among subgroups. A whopping 63% of millennials, defined as those 18 to 34 years old, said they are financially anxious, and 55% feel stressed. Women, as well, are a lot more financially anxious than men; 57% of women said they felt financially anxious, versus 47% of men. And 49% of women feel stressed when discussing their finances, versus 38% of men.

Other indicators in the study show that financial distress is still common among many households, irrespective of some of the good signs in the economy.

Half of Americans said they are just getting by financially. Only 41% have tried to figure out their retirement savings needs. Many than half said they worry about running out of money in retirement.

Financial stress can take a toll on our heath, not to mention productivity. There are at least three initiatives that can be taken to address these numbers that will ensure individuals are better equipped to deal with their finances.